Instant Payment ReCovery^™ Disclosure

CarBarrage^™ Program Disclosure

Dealer-Based Vehicle Payment ReCovery^™ Program Disclosure

Effective Date: [Month Day, Year]

CarBarrage^™ is a dealer-connected Vehicle Payment ReCovery^™ program offered in partnership with ReCapture^™ Financial, Inc. and powered by CrowdPays^®.

The program is designed for vehicle buyers who add CarBarrage^™ during the vehicle purchase or financing process through a participating dealership.

Program Overview

CarBarrage^™ provides participating households with a structured path connected to their vehicle payment. Program paths may include:

• Instant Payment ReCovery^™
• Trade-In Assistance
• Total Return of Payments^™

To participate, the household must use ReCapture^™ Financial as the middleman for paying household bills and expenses through the ReCapture^™ Financial Budgeting App.

Instant Payment ReCovery^™

Instant Payment ReCovery^™ is designed to allow a participant’s monthly ReCovery amount to grow over time until it reaches the participant’s full monthly vehicle payment amount.

The ReCovery path generally begins after the required onboarding and participation period has been completed.

The standard ReCovery growth path is designed to move from an initial ReCovery amount toward full monthly vehicle payment ReCovery by month 18.

Actual program structure depends on:

• vehicle payment amount,
• loan term,
• active participation,
• Good Standing,
• ReCapture^™ Financial participation status,
• and CarBarrage^™ program structure.

Participation Is Required

CarBarrage^™ benefits are connected to active participation in the ReCapture^™ Financial Budgeting App.

Participants must:

• complete intake,
• complete review,
• activate ReCapture^™ Financial,
• approve a household spending plan,
• make scheduled weekly deposits,
• keep household bills active inside the app,
• remain active and current,
• and maintain Good Standing.

Failure to stay active, current, and in Good Standing may affect program status.

ReCapture^™ Financial Role

ReCapture^™ Financial provides the budgeting app and household bill-pay structure required for CarBarrage^™ participation.

ReCapture^™ Financial does not sell, finance, service, or refinance vehicles.

Vehicle financing remains between the customer, dealership, and financing institution.

Dealer-Based Product

CarBarrage^™ is designed primarily as a dealer-connected product offered during the vehicle buying or finance process.

Participating dealerships may present CarBarrage^™ during the finance process, along with other vehicle-related options.

Final vehicle approval, loan approval, interest rate, loan term, vehicle delivery, and financing documents remain under the dealership and lender process.

Trade-In Assistance

Participants may choose Trade-In Assistance instead of continuing on the Instant Payment ReCovery^™ path.

Current Trade-In Assistance milestones may include:

• Month 18: Up to $4,800 in Down Payment Assistance.
• Month 30: Up to $10,000 in Down Payment Assistance.

Trade-In Assistance applies toward another qualifying vehicle purchased through CarBarrage.com or a participating CarBarrage^™ dealer path.

Using Trade-In Assistance may affect or restart other CarBarrage^™ benefit paths.

Total Return of Payments^™

Total Return of Payments^™ remains available as a long-term CarBarrage^™ path for participants who choose not to use monthly Payment ReCovery^™ or Trade-In Assistance.

Total Return of Payments^™ begins after month 42 and requires:

• continued participation,
• Good Standing,
• vehicle payoff,
• payoff verification,
• title or ownership verification,
• and completion of program requirements.

Choosing A Benefit Path

CarBarrage^™ participants may have access to different benefit paths depending on their participation status and program structure.

The three main paths are:

• Instant Payment ReCovery^™: monthly ReCovery grows toward the full vehicle payment.
• Trade-In Assistance: benefit value is used toward another qualifying vehicle.
• Total Return of Payments^™: participant waits and builds toward a larger payment return path after payoff.

Only one path may apply at a time unless otherwise approved under the program structure.

What CarBarrage^™ Is NOT

CarBarrage^™ is not:

• vehicle insurance,
• GAP coverage,
• debt cancellation,
• loan forgiveness,
• a warranty,
• a lender product,
• a refinancing product,
• a savings account,
• an investment program,
• a banking product,
• or automatic cash back.

Vehicle Financing Relationship

Vehicle financing remains solely between:

• customer,
• dealership,
• and financing institution.

CarBarrage^™ does not modify the vehicle loan, reduce lender rights, eliminate borrower responsibilities, or change required loan payments.

Participants remain responsible for all vehicle financing obligations.

Good Standing

Good Standing means the participant remains active, current, and properly engaged with ReCapture^™ Financial and the CarBarrage^™ program.

Good Standing may include:

• making scheduled weekly deposits,
• keeping household bills active in the app,
• maintaining accurate household information,
• responding to support or verification requests,
• maintaining dashboard participation,
• and following program requirements.

Dashboard Visibility

Participants may receive dashboard access showing:

• current vehicle payment,
• current monthly ReCovery amount,
• full ReCovery goal,
• months remaining until full ReCovery,
• lifetime ReCovery amount,
• Trade-In Assistance milestones,
• and participation status.

Funds Are Not Pooled

Each household is managed individually.

ReCapture^™ Financial does not pool or combine household funds with other households.

Your money remains your money.

Program Review

ReCapture^™ Financial and CarBarrage^™ may review household participation, deposit consistency, vehicle payment information, loan status, and program activity.

Additional documentation may be requested.

Cancellation & Termination

CarBarrage^™ participation may be suspended or terminated due to:

• inactive participation,
• missed required deposits,
• inaccurate information,
• fraud concerns,
• payment failures,
• vehicle loan default,
• or violation of program agreements.

Electronic Communications

Participants consent to receive electronic communications, dashboard notices, operational updates, SMS notices, email notices, and program-related communications where permitted by law.

Arbitration

Participation disputes shall be resolved through binding arbitration in the State of Georgia unless otherwise required by law.

Participants waive jury trial rights, class action participation, and consolidated legal proceedings except where prohibited by law.

Governing Law

This Disclosure shall be governed by the laws of the State of Georgia.

Important Notice

CarBarrage^™ benefits remain connected to program structure, active participation, Good Standing, verification, and continued use of ReCapture^™ Financial.

CarBarrage^™ does not modify borrower loan obligations.

Contact Information

ReCapture Financial, Inc.
500 Northside Circle NW, Suite PP05
Atlanta, Georgia 30309 USA

Phone: 1-855-369-5050
Email: support@JoinReCapture.com
JoinReCapture.com